[DeTomaso] BJ Insurance Experience

[michael@michaelshortt.com]

Thanks Larry,

Good to know, I'm sure your due diligence on the "agreed value"
phrase made all the difference in the world.

Michael Shortt

I know that if my car ever needed serious bodywork, it would be California
bound to a shop that
knew Panteras well.  The guy that is going to paint my 450 over the next few
months
said that he painted a Pantera once, 15 years ago.  He does great work but a
lapse of 15 years
between the same model is not a huge confidence builder ( and that would be
for repairs, for painting, I'd still give him a shot )
 It would be worth the two way shipping for the piece of mind alone if
bodywork and structural integrity issues were present.

On Sun, Jan 24, 2010 at 3:05 PM, Larry Finch <fresnofinches at aol.com> wrote:

> Dave wrote -
>
> <<<<< I am currently paying $190 (annual)with State Farm but I am
> really getting nervous about how I might get treated if there is an
> issue. >>>>>
>
> I have previous State Farm claim experience on 2511. They were great.
>
> I had a policy with SF as a classic. I had provided all my previous
> owner's restoration receipts and a professional appraisal at time of
> underwriting. I had what I KNEW (in writing) to be an AGREED amount
> policy in the amount of $45,000.
>
> Eleven months later I was the motivating force (i.e. idiot)
> responsible for a single car versus granite rock and tree accident.
>
> Even with local contacts and SF assistance, we could not find a local
> shop willing/ qualified to take on the repairs.
>
> I wound up having 2511 trailed to an LA area vendor - 270 miles - at
> SF expense.
>
> The vendor wrote up an estimate of about $33K.  SF accepted the
> estimate. The body man applied for an additional $2K for unforeseen
> expense. SF paid.
>
> I was told by my claims adjuster that the normal limit for repairs,
> above which they just call it totaled, is 70% of the policy value.
>
> SF wound up paying about 80% for my repairs.
>
> Their rates went up about $60 annually on my primary vehicle, an F150
> truck.
>
> The Pantera rates did not increase.
>
> I have recently upped the policy to $55K, which is their limit for
> agreed without a supporting appraisal. Annual cost is $365.
>
> As has been urged by many previously, get IN WRITING something that
> states your policy is for an AGREED value. With that in hand, based on
> my experience, SF is a good neighbor.
>
> Larry
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-- 







Michael L. Shortt
Savannah, Georgia
www.michaelshortt.com
michael at michaelshortt.com
912-232-9390


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